How to Cancel COBRA the Easy Way
, or the Consolidated Omnibus Budget Reconciliation Act, is an insurance plan that gives workers and families who lose their benefits the ability to choose to continue group health benefits for limited periods of time, like job losses. This makes for a stable way to ensure your loved ones have insurance coverage even in tough times.
Confused about how you can cancel your COBRA? DoNotPay, a champion of consumer rights recognized in Forbes and the New York Times, has the resources you can use to help! Here’s how to make the most of your insurance plan and cancel it when you are ready:
Where Can I Cancel COBRA?
COBRA is a system that is requested by your former employer, and it can be confusing to cancel service provisions if you are no longer in contact with your ex-boss/company.
provides a month-to-month service, and can be terminated in these ways:
- Stop paying premiums to , and your account and coverage will be terminated by non-payment
- Send a written letter to WageWorks that requests the end of your coverage
- Enter a request to cancel in the online messaging center
Importantly, once you cancel your COBRA coverage, it cannot be reinstated. Thus, make a well thought out decision about your family’s insurance needs and be confident that you will not need any time soon, as once you have terminated your service, you will not gain access again.
Where To Cancel COBRA (With Steps)
Here are some simple ways you can cancel your insurance provision:
|Halt Premium Payments||
This will ensure that your payment method cannot be charged during the next billing cycle, effectively ending your premium payments and COBRA service for the time being.
|Write A Letter||This is an easy step to cancelling your payments… Simply:
|Send a Request Online||Using COBRA’s online service, cancel your service in a few easy steps:
|Change in Life Status Events||In the case that you’d like to cancel or semi-cancel COBRA coverage for a member of your family, you will have to submit a request in writing. These are the conditions where you are able to cancel COBRA:
Note that once COBRA service is altered and/or cancelled, you will not receive payment anymore — this can be confusing to navigate, and DoNotPay provides a simple solution.
Why is Cancelling your COBRA Subscription Difficult?
Just as many insurance providers detail, cancelling a COBRA subscription can be difficult and methodical. As consumers, we want fast, guaranteed results. Below, find some things that have made this difficult:
- Takes too many steps and is difficult to access
- You forgot your log-in or do not have access to a web browser where you can use your account to cancel
- You do not have the time or ability to wait for a letter to be mailed, or a request to be received and want instant results
How DoNotPay Can Help Cancel COBRA Subscriptions
DoNotPay is a self-described consumer champion, providing an alternate way to cancel COBRA subscriptions without sending a letter, requesting it in a chat or not paying your bills!
Although DoNotPay is a subscription-based service, for a low monthly fee, have access to hundreds of services that make your life easier!
Here’s how to cancel a COBRA subscription with DoNotPay:
- Log in to DoNotPay and search for the Manage Subscriptions product.
- Provide the name of the subscription service you want to cancel.
- Provide your account details such as email address and username.
It’s as easy as that! With DoNotPay, streamline your cancellation process and skip the tedious, middle-man work.
DoNotPay Can Also Cancel
In addition to managing your COBRA subscription, DoNotPay can also help cancel:
- YouTube TV Free Trials
- Planet Fitness
- Sirius XM Subscriptions
- Epoch Payments
- CVS Carepass
- XBox Live
- Massage Envy